You can file bankruptcy independently. It’s a bit more complicated but possible.

I just went through it and honestly, I’m so relieved. It’s not something you want to go through, but sometimes people fuck up and can’t unfuck their finances. It helped me and my wife unfuck our finances. We declared bankruptcy in March and were debt free by May. We now own a house and are actually able to live our lives how we want. Our daughter turned a year and we decided to throw her a massive bday. We put 2 grand into her party. Something we couldn’t have done with our debt. We’re going to a couple USL playoff games this season as well.

On top of that we got new flooring in our house, something we desperately needed. We just had a new furnace installed. I have a quote coming for replacing our stairs that are falling apart. The loans are a pain to get but it’s doable and we’re paying them off before the interest gets too bad. Again, something we wouldn’t be able to do in debt.

Bankruptcy shouldn’t be something anyone wants to do, but also don’t be afraid of it.